An automated transaction machine includes a card reader that can read a unique magnetic characteristic of a magnetic stripe on a card. The machine can then send data reflective of the read characteristic to a remote card validator. The card validator can compare the received data to referenced magnetic characteristic data corresponding to cards authorized for use with the machine. The machine can also communicate with a transaction host computer to carry out a financial transaction. As a result of the magnetic data comparison, an invalid card can be discovered and a fraudulent transaction prevented. Communication between the card validator and machine is independent from communication between the transaction host and machine.
Legal claims defining the scope of protection. Each claim is shown in both the original legal language and a plain English translation.
1. Apparatus comprising: an automated banking machine operable to cause financial transfers responsive at least in part to data read from data bearing records, wherein the machine includes at least one reader, wherein the at least one reader is operable to read identifying data usable to identify a financial account with which the automated banking machine is operable responsive at least in part to computer-determined association between the identifying data read and the financial account, to carry out a financial transaction, wherein the machine includes at least one cash dispenser, wherein the at least one cash dispenser is operable to selectively dispense cash from the machine, to machine users authorized to request financial transactions based at least in part on identifying data read by the at least one reader, wherein the machine includes at least one display, wherein the at least one display includes at least one display screen, wherein the machine includes at least one input device, wherein the machine includes at least one data store, wherein the at least one data store includes campaign data corresponding to a marketing campaign for customers of the machine, wherein the marketing campaign includes a predetermined sequence of ordered marketing presentations, wherein each marketing presentation differs from each other marketing presentation, wherein the marketing presentations include a query marketing presentation, wherein the marketing presentations include a first path marketing presentation, wherein the marketing campaign includes at least two paths of marketing presentations, wherein the query marketing presentation includes at least one query linked to the at least two paths, wherein the first path marketing presentation is in a first path of the at least two paths, wherein the campaign data links the marketing campaign to a plurality of customers authorized to use the machine, wherein the campaign data indicates a point in the predetermined sequence where each respective customer is currently positioned, wherein for each respective customer, the machine is configured to present through the at least one display during a machine session conducted by the respective customer, a next marketing presentation assigned to the respective customer, responsive at least in part to the at least one reader reading respective customer data that is linked to the predetermined sequence at a respective point which corresponds to the next marketing presentation assigned to the respective customer, wherein for each respective customer, the machine is configured to present the first path marketing presentation to the respective customer through the at least one display during a further machine session conducted by the respective customer, responsive at least in part to both the machine having received in response to prior presentation of the query marketing presentation to the respective customer, customer input which led to a point in the first path, and the at least one reader reading during the further machine session, respective customer data that is linked to the predetermined sequence at a point in the first path where the first path marketing presentation is to be presented to the respective customer.
An automated banking machine (ABM), like an ATM, dispenses cash and conducts financial transfers. It reads customer data from cards to identify financial accounts. The ABM displays marketing campaigns on its screen. These campaigns show a sequence of different marketing presentations. Some presentations ask a question, branching the sequence into different paths. The campaign data links customers to specific points in the sequence, allowing the ABM to show them the next relevant presentation based on their past interactions and current card data. For example, if a customer answered a question that led to a "first path", the ABM will show the corresponding "first path marketing presentation" during a subsequent session.
2. The apparatus according to claim 1 wherein the machine is part of a banking system that includes a plurality of cash dispensing automated banking machines, wherein each machine includes at least one reader comprising a card reader and a biometric reader, wherein each machine is respectively associated with at least one processor, wherein the at least one processor is operative during a transaction to cause card data to be read from a user card through operation of the card reader, and cause biometric data to be read from a user through operation of the biometric reader, wherein the at least one processor is operative to cause read card data to be compared with card information stored in an authorized machine user information data store, wherein the at least one processor is operative to cause read biometric data to be compared with biometric information stored in the authorized machine user information data store, wherein the at least one processor is operative to authorize a machine user to request a transaction responsive at least in part to both computer-determined correspondence between the read card data and stored card information, and computer-determined correspondence between the read biometric data and stored biometric information.
The ABM system includes multiple ATMs. Each ATM uses a card reader and a biometric reader. Processors within the ATMs read card data and biometric data. The card data is compared to stored card information, and the biometric data is compared to stored biometric data. An ATM user is authorized for transactions only if both the card data and biometric data match the stored information. This combines card verification with biometric verification for enhanced security when presenting the sequence of marketing campaigns described in Claim 1.
3. Apparatus comprising: at least one data store associated with at least one automated banking machine that is operable to cause financial transfers responsive at least in part to data read from data bearing records, wherein the at least one machine includes at least one reader, wherein the at least one reader is operable to read identifying data usable to identify a financial account with which the at least one machine is operable responsive at least in part to computer-determined association between the identifying data read and the financial account, to carry out a financial transaction, wherein the at least one machine includes at least one cash dispenser, wherein the at least one cash dispenser is operable to selectively dispense cash from the at least one machine, to machine users authorized to request financial transactions based at least in part on identifying data read by the at least one reader, wherein the at least one machine includes at least one display, wherein the at least one display includes at least one display screen, wherein the at least one machine includes at least one input device, wherein the at least one data store includes campaign data corresponding to a marketing campaign for customers of the at least one machine, wherein the marketing campaign includes data corresponding to a predetermined sequence of ordered marketing presentations, wherein each marketing presentation differs from each other marketing presentation, wherein the marketing presentations include a query marketing presentation, wherein the marketing presentations include a first path marketing presentation, wherein the marketing campaign includes at least two paths of marketing presentations, wherein the query marketing presentation includes at least one query linked to the at least two paths, wherein the first path marketing presentation is in a first path of the at least two paths, wherein the campaign data links the marketing campaign to a plurality of customers authorized to use the at least one machine, wherein the campaign data indicates a point in the predetermined sequence where each respective customer is currently positioned, wherein for each respective customer, the campaign data enables the at least one machine to present through the at least one display during a machine session conducted by the respective customer, a next marketing presentation assigned to the respective customer, responsive at least in part to the at least one reader reading respective customer data that is linked to the predetermined sequence at a respective point which corresponds to the next marketing presentation assigned to the respective customer, wherein for each respective customer, the campaign data enables the at least one machine to present the first path marketing presentation to the respective customer through the at least one display during a further machine session conducted by the respective customer, responsive at least in part to both the at least one machine having received in response to prior presentation of the query marketing presentation to the respective customer, customer input which led to a point in the first path, and the at least one reader reading during the further machine session, respective customer data that is linked to the predetermined sequence at a point in the first path where the first path marketing presentation is to be presented to the respective customer.
This describes a data storage system for an ATM that dispenses cash and performs financial transfers based on card data. The data store holds campaign data for targeted marketing to ATM customers. The marketing campaign shows a sequence of different marketing presentations. Some ask a question, branching the sequence into different paths. The campaign data connects customers to their place in this sequence. This allows the ATM to display the next appropriate marketing presentation during a session based on their card data. If a customer answered a question leading to a "first path", the ATM shows the corresponding "first path marketing presentation" in a later session. This data enables the ATM to deliver personalized marketing.
4. The apparatus according to claim 3 wherein the at least one machine is part of a banking system that includes a plurality of cash dispensing automated banking machines, wherein each machine includes at least one reader comprising a card reader and a biometric reader, wherein each machine is respectively associated with at least one processor, wherein the at least one processor is operative during a transaction to cause card data to be read from a user card through operation of the card reader, and cause biometric data to be read from a user through operation of the biometric reader, wherein the at least one processor is operative to cause read card data to be compared with card information stored in an authorized machine user information data store, wherein the at least one processor is operative to cause read biometric data to be compared with biometric information stored in the authorized machine user information data store, wherein the at least one processor is operative to authorize a machine user to request a transaction responsive at least in part to both computer-determined correspondence between the read card data and stored card information, and computer-determined correspondence between the read biometric data and stored biometric information.
The ATM system includes multiple cash-dispensing ATMs. Each ATM has a card reader and a biometric reader. Processors within the ATMs read card and biometric data. The read card data is compared to stored card information. The read biometric data is compared to stored biometric information. A user is only authorized to request a transaction if both card and biometric data match. This combines card verification with biometric verification when delivering targeted marketing campaigns through the ATM system described in Claim 3.
5. The apparatus according to claim 3 wherein the at least one machine comprises a sole machine, wherein the sole machine includes the at least one data store.
This refers to the system of Claim 3, but specifies that the data store and ATM are part of a single, standalone machine. All the campaign data and the ATM functionality reside within one physical ATM.
6. The apparatus according to claim 3 wherein for each respective customer, the campaign data enables: a first machine of the at least one machine to present the next marketing presentation assigned to the respective customer, and a second machine of the at least one machine to present the first path marketing presentation to the respective customer, wherein the second machine differs from the first machine.
Referring to the system of Claim 3, a customer might interact with two different ATMs. One ATM displays the "next marketing presentation" for that customer. A second, different ATM displays the "first path marketing presentation" based on previous customer input at the first ATM. This means marketing presentations are tracked and delivered across multiple, different ATM machines.
7. A method involving at least one data store associated with at least one automated banking machine that is operable to cause financial transfers responsive at least in part to data read from data bearing records, wherein the at least one machine includes at least one reader, wherein the method comprises: (a) accessing the at least one data store; and (b) storing in the at least one data store accessed in (a), campaign data corresponding to a marketing campaign for customers of the at least one machine, wherein the marketing campaign includes data corresponding to a predetermined sequence of ordered marketing presentations, wherein each marketing presentation differs from each other marketing presentation, wherein the marketing presentations include a query marketing presentation, wherein the marketing presentations include a first path marketing presentation, wherein the marketing campaign includes at least two paths of marketing presentations, wherein the query marketing presentation includes at least one query linked to the at least two paths, wherein the first path marketing presentation is in a first path of the at least two paths, wherein the campaign data links the marketing campaign to a plurality of customers authorized to use the at least one machine, wherein the campaign data indicates a point in the predetermined sequence where each respective customer is currently positioned, wherein for each respective customer, the campaign data is configured to cause the at least one machine to present through the at least one display during a machine session conducted by the respective customer, a next marketing presentation assigned to the respective customer, responsive at least in part to the at least one reader reading respective customer data that is linked to the predetermined sequence at a respective point which corresponds to the next marketing presentation assigned to the respective customer, wherein for each respective customer, the campaign data is configured to cause the at least one machine to present the first path marketing presentation to the respective customer through the at least one display during a further machine session conducted by the respective customer, responsive at least in part to both the at least one machine having received in response to prior presentation of the query marketing presentation to the respective customer, customer input which led to a point in the first path, and the at least one reader reading during the further machine session, respective customer data that is linked to the predetermined sequence at a point in the first path where the first path marketing presentation is to be presented to the respective customer.
This is a method for managing marketing campaigns on ATMs. The method involves storing campaign data in a data store associated with the ATMs. The marketing campaign consists of a sequence of different marketing presentations, some with branching paths based on user responses. The data store links each customer to their current position in this sequence. When a customer uses an ATM, the ATM reads their card data and presents the next appropriate marketing presentation. If a customer previously selected a "first path," the system will show the corresponding "first path marketing presentation" during a subsequent session.
8. The method according to claim 7 wherein the at least one reader includes a card reader and a biometric reader, wherein each automated banking machine: includes at least one cash dispenser, and is associated with at least one processor, wherein the at least one processor is operable to: cause card data to be read from a user card through operation of the card reader, and cause biometric data to be read from a customer through operation of the biometric reader, and wherein the machine session includes: (i) operating the card reader to read card data; (ii) operating the biometric reader to read biometric data; (iii) determining whether the respective customer is allowed to request a cash dispense transaction, responsive at least in part to both computer-determined correspondence between the card data read in (i) and stored card information, and computer-determined correspondence between the biometric data read in (ii) and stored biometric information.
The method described in Claim 7 is refined. Each ATM has a card reader, a biometric reader, and a cash dispenser. The process includes reading card and biometric data. The method determines if the customer is authorized to dispense cash, verifying that card and biometric data match stored information. This verifies user identity before starting the marketing presentations.
9. The method according to claim 7 wherein the at least one data store is associated with at least one automated banking machine that comprises a sole machine, wherein the sole machine includes the at least one data store and at least one cash dispenser.
This describes the method of claim 7 but specifies that the data store and ATM are part of a single, standalone machine with a cash dispenser. All the campaign data and ATM functionality reside within one physical ATM.
10. The method according to claim 7 wherein the at least one data store is associated with a plurality of automated banking machines, wherein each machine includes at least one cash dispenser, wherein each cash dispenser is operable to selectively dispense cash to machine users authorized to request financial transactions based at least in part on customer data read by the at least one reader.
This describes the method of Claim 7, where the data store is associated with multiple ATMs. Each ATM includes a cash dispenser that selectively dispenses cash to users authorized for financial transactions based on card data. The campaign data is shared across these multiple ATMs to deliver a consistent experience.
11. The method according to claim 7 and further comprising: (c) accessing the at least one data store responsive at least in part to the at least one reader reading first customer data during a first transaction session that involves a first customer and the at least one automated banking machine, in determining that the first customer data is associated in the at least one data store with a first marketing presentation that is to be displayed during the first transaction session; and (d) subsequent to (c), accessing the at least one data store responsive at least in part to the at least one reader reading the first customer data during a next transaction session that involves the first customer and the at least one automated banking machine, in determining that the first customer data is associated in the at least one data store with a next marketing presentation that is to be displayed during the next transaction session.
Building upon Claim 7, this method accesses the data store when a customer starts a transaction. Based on the customer's data, the system identifies and displays a specific marketing presentation during the session. Then, during a later transaction from the same customer, the system accesses the data store again to determine and display the *next* marketing presentation from the sequence.
12. The method according to claim 11 wherein the first transaction session in (c) and the next transaction session in (d) involve the same automated banking machine.
This specifies that the "first transaction session" and the "next transaction session" from Claim 11 both involve the same ATM. The marketing presentations are sequenced across multiple uses of the same machine.
13. The method according to claim 11 wherein in (c) the first transaction session involves a first automated banking machine, and wherein in (d) the next transaction session involves a second automated banking machine which differs from the first automated banking machine.
This expands on Claim 11. The "first transaction session" occurs on one ATM, while the "next transaction session" happens on a *different* ATM. The marketing campaign progresses across multiple ATMs.
14. A method comprising: (a) developing a banking system marketing campaign application that is operable with a plurality of banking system automated banking machines operable to cause financial transfers responsive at least in part to data read from data bearing records, wherein the marketing campaign application is associated with at least one data store that includes both: a marketing campaign comprising data corresponding to a predetermined sequence of ordered marketing presentations that are to be presented to a plurality of customers, wherein the predetermined sequence includes at least two paths of marketing presentations, wherein a first path marketing presentation is in a first path of the at least two paths, wherein the marketing presentations include a query marketing presentation, wherein the query marketing presentation includes at least one query linked to the at least two paths, wherein each marketing presentation differs from each other marketing presentation, and campaign data which: links the marketing campaign to each respective customer, and indicates a point in the predetermined sequence where each respective customer is currently positioned, wherein the marketing campaign application includes computer executable instructions, wherein the computer executable instructions are operable to cause at least one computer associated with the machines to: (i) determine during a machine session involving a machine of the machines and a first customer of the customers, a marketing presentation in the predetermined sequence that is to be presented to the first customer, wherein the determination is based at least in part on the first customer being linked in the at least one data store with the marketing campaign at a particular point in the predetermined sequence, (ii) determine during another machine session involving a machine of the machines and the first customer, a next marketing presentation in the predetermined sequence that is to be presented to the first customer, wherein the determination is based at least in part on the first customer being linked in the at least one data store with the marketing campaign at a further particular point in the predetermined sequence, wherein the further particular point is subsequently positioned in the predetermined sequence relative to the particular point in (i), wherein the computer executable instructions are operable, responsive at least in part to the marketing presentation in (i) comprising the query marketing presentation, and the machine in (i) receiving first customer input which leads to a point in the first path, to cause the at least one computer to cause the next marketing presentation in (ii) to comprise the first path marketing presentation; and (b) storing in at least one data store, the marketing campaign application developed (a).
This method involves creating a marketing campaign application for a network of ATMs. The application uses a data store containing marketing content. This content includes a sequence of ordered marketing presentations, with branching paths based on user input. The data store also links customers to their place in the marketing sequence. The application determines which marketing presentation to show based on the customer's current position and their previous responses. Specifically, answering a question leading to the first path results in the first path presentation being shown during a later interaction.
15. The method according to claim 14 wherein each automated banking machine: includes at least one reader, wherein the at least one reader includes a card reader and a biometric reader, includes at least one cash dispenser, and is associated with at least one processor, wherein the at least one processor is operable to cause card data to be read from a user card through operation of the card reader, and cause biometric data to be read from a customer through operation of the biometric reader, wherein (i) further comprises: (ia) operating the card reader to read card data (ib) operating the biometric reader to read biometric data; (ic) determining whether the first customer is allowed to request a cash dispense transaction, responsive at least in part to both computer-determined correspondence between the card data read in (ia) and stored card information, and computer-determined correspondence between the biometric data read in (ib) and stored biometric information.
The method of claim 14 is refined. ATMs include card readers, biometric readers, and processors. The process of determining the marketing presentation includes reading card and biometric data from the customer. The system verifies if the customer is allowed to dispense cash by confirming that the card and biometric data match stored information.
16. The method according to claim 14 wherein each machine includes at least one cash dispenser, wherein each cash dispenser is operable to selectively dispense cash to machine users authorized to request financial transactions based at least in part on identifying data read by the at least one reader.
This refines Claim 14, specifying that each ATM has a cash dispenser to selectively dispense cash to authorized users, identified via data read by the reader. This highlights the ATMs main function while presenting personalized marketing campaigns.
17. The method according to claim 14 wherein the machine session in (i) involves a first automated banking machine, and wherein the another machine session in (ii) involves a second automated banking machine which differs from the first automated banking machine.
This expands on Claim 14. The "machine session (i)" occurs on one ATM, while the "another machine session (ii)" happens on a *different* ATM. The marketing campaign progresses across multiple ATMs.
18. The method according to claim 14 and further comprising: (c) determining during a machine session involving a machine of the machines and the first customer, a marketing presentation in the predetermined sequence that is to be presented to the first customer; and (d) determining during another machine session involving a machine of the machines and the first customer, a next marketing presentation in the predetermined sequence that is to be presented to the first customer.
Building upon Claim 14, the method determines the marketing presentation to show a customer during a transaction session, and also determines the *next* marketing presentation to show during a *later* transaction session.
19. The method according to claim 18 wherein the machine session in (c) and the another machine session in (d) involve the same automated banking machine.
This specifies that the "machine session" and "another machine session" described in Claim 18 both involve the same ATM. The marketing presentations are sequenced across multiple uses of the same machine.
20. The method according to claim 18 wherein the machine session in (c) involves a first automated banking machine, and wherein the another machine session in (d) involves a second automated banking machine which differs from the first automated banking machine.
This expands on Claim 18. The "machine session" occurs on one ATM, while the "another machine session" happens on a *different* ATM. The marketing campaign progresses across multiple ATMs.
21. The system according to claim 1 wherein the at least one reader includes a magnetic stripe card reader, wherein the magnetic stripe card reader is operable to read a distinct magnetic characteristic from a magnetic stripe of a user card provided to the machine, wherein the distinct magnetic characteristic comprises a uniquely identifiable magnetic field pattern resulting as a byproduct of manufacturing the magnetic stripe, wherein the machine is associated with at least one processor, wherein the at least one processor is operable to cause a uniquely identifiable magnetic field pattern read by the magnetic stripe card reader to be compared with card information stored in an authorized user information data store, wherein the at least one processor is operable to allow a machine user to request a financial transaction, responsive at least in part to computer-determined correspondence between the read uniquely identifiable magnetic field pattern and card information stored in the authorized user information data store.
The ATM system of Claim 1 is modified. The card reader reads unique magnetic fingerprints from the magnetic stripe, caused by manufacturing variations. A processor compares this fingerprint against stored card information. A user can only perform a transaction if the read fingerprint matches the stored data. This uses magnetic stripe imperfections for security.
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June 20, 2012
July 2, 2013
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